Juniper
The Private Pension Administrator Malaysia’s (PPA) #ISaveinPRS Treats Campaign from 1 August to 31 December 2025, has met with good response from the public. Riding on this response, the PPA today held a launch to attract the last wave of investments before the campaign’s 31 December deadline.
The #ISaveinPRS Treats Campaign is part of PPA’s continued effort to promote savings through the Private Retirement Schemes (PRS), a voluntary flexible savings and third pillar supplemental pension scheme designed to help individuals to save more for their retirement. It bridges the gap between mandatory contributions or defined payouts and individual’s required replacement income or targeted benefits.
Since its inception in 2012, over 645,000 PRS members have jumped on its retirement savings bandwagon. As of 26 October 2025, the Asset under Management (AUM) of all PRS funds stood at
RM8.52 billion.
The treats campaign 2025 offers new enrolees and PRS members a chance to win PRS Treats and Grand prizes from 1 August to 31 December 2025. The total prize allocated for the campaign is RM200,000.
The good response to the PRS is not surprising given the flexibility and sustainable returns it offers members. For the 5-year period October 2020 – September 2025, its Top 8 funds, across various strategies, generated a 5-year annualised return of between 5.07% and 9.05%.
For the 1-year period October 2024 – September 2025, its Top 8 funds gave higher returns of between 6.20% and 22.42%. On top of these returns, members also get to enjoy personal tax relief of up to RM3,000 per year.
This is what the #ISaveinPRS Treats Campaign 2025 offers:
PRS Treats Draw
- For PRS members who achieve the accumulated contribution amount of at least RM1,000 during the campaign period (“PRS Treats Draw Qualified”)
- Each RM1,000 gross contribution is entitled to 1 PRS Treats Draw entry
- Total 200 x RM500 PRS Treats (in PRS units) allocated, each PRS Treats Draw Qualified member is entitled for 1 PRS Treats only
Grand Draw
- For PRS members who achieve the accumulated contribution amount of at least RM3,000 during the campaign period. (“Grand Draw Qualified”)
- Each RM3,000 gross contribution is entitled to 1 Grand Draw entry
- 2 x Grand Prizes, each valued at RM50,00
- Grand Draw Qualified members can win prizes under both PRS Treats Draw and Grand Draw
You can start saving with PPA’s PRS Online service which is convenient and hassle-free. You can top up your PRS funds anytime and anywhere with PRS Online Top Up. It is important to start saving for retirement as early as possible and steadily build your retirement funds especially for those in part-time jobs or part of the gig economy. An Ipsos survey in 2024 revealed there was a notable gap in retirement planning among gig workers, especially full-timers. With a significant percentage of full-time gig workers having not considered retirement planning at all, there is a clear need for a scheme such as the PRS to enhance their financial security in old age.
Despite the growing popularity of gig work in Malaysia, it appears to predominantly serve as a supplemental source of income rather than a primary one. The majority of respondents (70%) indicated that they do gig work part-time, while only a small fraction (30%) is full-time. This suggests that while gig work offers certain advantages, it may not provide the level of financial security required to replace traditional full-time employment for most people, the survey said. The PRS is thus ideal to help achieve financial security as it is a voluntary flexible savings scheme which supplements a mandatory contribution scheme.
